Coverage for everything you put in the air.
Hull, liability, and payload protection for commercial and government drone operators — written stand-alone or as a complete suite, and built for the way Part 107 flights actually run.
- Underwriter
- Surety One, Inc.Admitted & non-admitted markets · A (Excellent)
- Operators
- Commercial & government
- Coverage parts
- Hull · Liability · Payload
- Service
- English & Español
Three parts. Buy one, or build the suite.
Every drone program carries different risk. Our policy parts are issued individually or combined, so you cover the exposure you actually fly — not a bundle you don't need.
Hull
Physical loss or damage to your unmanned aircraft, anywhere within the coverage territory, up to policy limits — with the salvage and subrogation terms standard to any property policy.
Covers the airframeLiability
Third-party bodily injury and property damage arising from your operations. If a covered suit is filed, the carrier may defend it — the coverage clients and contracts ask for by name.
Covers people & property belowPayload & equipment
The cameras, sensors, gimbals, and on-board tools that make the flight worth taking. Schedule the gear your operation depends on alongside the aircraft that carries it.
Covers what the drone carriesCombine all three in a suite, or liability stand-alone — your program, your structure.
Most operators are insurable.
What drives a quote is the remote pilot's experience and FAA airman certification, the aircraft platform, and the intended use. Remotely piloted, semi-autonomous, or fully autonomous — there's a path to coverage.
Private commercial
Revenue operations where a mistake can reach a client, a bystander, or someone else's property.
Governmental
Agency programs where the operation has to hold up to oversight as much as to the weather.
Written for how Part 107 actually flies.
Commercial operations under 55 lb run under 14 CFR Part 107. We underwrite to that reality — current rules, current requirements, none of the leftover paperwork from the Section 333 era.
14 CFR Part 107
The Small UAS Rule governs commercial flight under 55 lb. A certificated remote pilot, 16 or older, who has passed the FAA aeronautical knowledge test is the baseline.
Remote ID
Since 2024, drones requiring registration must broadcast Remote ID — a digital license plate of position and identity. Non-compliance carries real penalties.
FAADroneZone
Each commercial aircraft is registered through FAADroneZone and marked with its number. Registration renews on a three-year cycle.
LAANC & waivers
Class G stays at or below 400 ft AGL. Controlled airspace needs LAANC authorization; BVLOS, night, and over-people work run on waiver — all underwritable.
Rules change. Confirm current requirements at faa.gov/uas and through FAA B4UFLY before every flight.
Application to bound coverage.
A quote requires a complete application — it's how we read your operation accurately and price it fairly.
Apply
Tell us the pilots, the platforms, and how you fly. Submit the online form here or return the application PDF — whichever is faster.
Underwrite
We review pilot certification, the aircraft, and your intended use, then match the exposure to terms. Higher-risk operations get a closer look, not an automatic no.
Bind
Review your quote, choose your parts — hull, liability and payload, or liability only — purchase and bind the coverage your contracts and clients require.
Drone insurance, in plain terms.
Do I need insurance to fly a drone commercially under Part 107?+−
What exactly does drone insurance cover?+−
Who can be insured?+−
Does a policy cover BVLOS, night, or operations over people?+−
How do I get a quote?+−
Tell us about your operation.
Complete the guided application — aircraft, operations, pilots, and the coverage you want. An underwriter reviews it and follows up with terms.
Your email app should have opened — send the message to reach underwriting. If it didn't, use the button below or call 800 373 2804.